Monday, July 08, 2013 • 9:09 AM Comments (6)

Gun control via actuaries

posted by James Heflin

The experiment begins: here's what's happened in Kansas with a new law allowing school staff and faculty to carry concealed weapons--

The EMC Insurance Cos. insures 85 percent to 90 percent of all Kansas school districts and has refused to renew coverage for schools that permit teachers and custodians to carry concealed firearms on their campuses under the new law, which took effect July 1. It’s not a political decision, but a financial one based on the riskier climate it estimates would be created, the insurer said.

“We’ve been writing school business for almost 40 years, and one of the underwriting guidelines we follow for schools is that any on-site armed security should be provided by uniformed, qualified law enforcement officers,” said Mick Lovell, EMC’s vice president for business development. “Our guidelines have not recently changed.”


A smaller Des Moines-area insurer — Continental Western Group, based in Urbandale — has followed EMC’s lead with a similar position in response to the new law, according to the Kansas Association of School Boards’ insurance program.

So has Wright Specialty Insurance, based in New York.

H/T to the ever-vigilant TPM...

ALSO: Perhaps it's necessary to clarify, though I wouldn't have thought so--what's most intriguing about this is that it's a call made by actuaries, members of perhaps the most emotionless and empirically based business profession there is. Though I hope somewhere there exists a thriller about rogue actuaries.

Comments (6)
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Convenient position to take in relation to insurance companies, as we all know we could find policies we feel are extreme in either direction. But if it gives you hope, good for you. Another insurance company will pick these schools up in their bloodthirsty quest for PROFIT!!!!!!!!! Grr!

Now.... maybe I missed it but have you or anyone else provided a shred of evidence that states/counties that introduce conceal and carry laws end up having higher instances of gun crime? Would that be something you're interested in knowing? Or is it all about the emotion rather than empirical evidence?

I'll stand by.

Posted by Ben on 7.9.13 at 7:09

What would actuaries decide in regard to putting women on the front lines of the military? I know you think it's neat that this approach fits your position in this instance, but I don't think you'd fair well by applying the standard to other civil rights.

Posted by Ben on 7.10.13 at 6:47

The EMC insurance Co.s which has been renewing coverages before has now refuged to renew coverage for school that permits teachers and custodians to carry concealed firearms on their campuses. However accordingly to the insurer it’s a financial decision not a political one. Nice information through this article came into limelight.

Posted by Peter Thompson on 7.15.13 at 5:54

Peter Thompson, what an incisive observation! Your comment surely will not be deleted.

Posted by Invisible man on 7.15.13 at 6:52
Solely for you, Invisible man, we shall remain it, however links notwithstanding...

Posted by JH on 7.15.13 at 8:19

I don't buy that it is not a political decsion: I'd be curious to know if they would pull coverage on a homeowner who purchased a firearm.

Posted by Phil Carlson on 7.16.13 at 4:33



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